Im going to try to make a long story short!! a friend of mine had a guy who got hurt bad, he lost a nut and three fingers!!! he had no workers comp and did not have him on the payroll, he was trying the 1099 sub thing that a lot of people think of.. well needless to stay he has been in litigation for over five years now and cant buy a house, cars ect in fear that they will be taken away, basically he has to live broke ( fun right??? ).. I also had a slip and fall three days after a snow storm, they said it was a thaw and refreeze thing.. I thought it was BS but anyways I told management to call my ins and i also contacted them myself and that was that I haven't heard anything about yet!! I agree ins suck's but you gotta have it!!!!!!